Finyr vs Threshold

Your smarter UK salary calculator - built to help you understand your income, taxes, and pension in plain English. Whether you’re a full-time employee or a contractor working through an umbrella company, we give you a clear breakdown of your take-home pay — no jargon, just accurate, real-world figures. Key Features: - Take-Home Calculator: See how much of your salary you keep after tax, National Insurance, and pension. - Tax Band Breakdown: Understand exactly how much you pay at each rate. - Pension Slider: Adjust contributions and instantly see how it affects your take-home. - Compare Salaries: View the difference in your pay after a raise, contract change, or deduction. - Next Actions: Get financial tips tailored to your income — avoid tax traps, optimise your pay. - Bonus & Contract Calculator: Find out how much you’d take home from a bonus or contract rate. - Plain Language: No more jargon — everything explained in simple terms. - Light & Dark Mode: Designed for comfort. - UK Focused: Updated immediately after each UK Budget to reflect new tax rules. - Contractor Friendly: Ideal for those working via umbrella or limited companies, with pay visibility that reflects real deductions. Coming Soon: - AI Insights: Ask questions like “How can I retire early?”, “Should I switch to a limited company?” or “How can I reduce my tax bill?” — get instant, personal answers. - Smart Graphs: Visualise your finances and trends at a glance. Finyr - Financial clarity for every UK professional.

threshold. UK take-home & higher-rate tax planner threshold is a calculator and planning tool for UK high earners. It shows your real take-home pay, income tax, National Insurance, student loans, pension, and surfaces the traps that bite hardest between £80k and £200k. THE 60% TRAP, NAMED AND QUANTIFIED Between £100,000 and £125,140 your personal allowance tapers away and your marginal rate jumps to 60%. threshold detects when you're in the trap, shows exactly how much allowance you're losing, and calculates the precise pension contribution that gets you back out, with the maths in full view. WHAT YOU CAN WORK OUT • Gross-to-net take-home: income tax, NI, student loans (Plan 1/2/4/5 + Postgraduate), pension • The 60% trap: when it's active and the exact contribution to escape it • Pension: salary sacrifice vs relief at source, carry forward of unused allowance, tapered annual allowance as income nears £260k • SIPP contributions and the tax relief you'd reclaim, basic and higher rate • Bonus, RSUs and split income, each stream taxed at its correct marginal rate • High-Income Child Benefit Charge and the £100k childcare cliff edge • Scottish income tax rates • Save, rename and compare scenarios side by side • Export a clean PDF summary BUILT FOR NUMERATE PEOPLE No hype, no jargon, no badges. Every figure traces back to the threshold and the HMRC rule behind it. The maths is the product; the design gets out of its way. INFORMATION, NOT ADVICE threshold is an information and planning tool, not a financial adviser. Figures are estimates. Consider speaking to an FCA-authorised adviser before making financial decisions. SUBSCRIPTION threshold Pro unlocks the full planner via an annual subscription with a 3-day free trial. Payment is charged to your Apple ID at confirmation of purchase. The subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your device account settings. Terms of Use: https://threshold-site.pages.dev/terms Privacy Policy: https://threshold-site.pages.dev/privacy